Kan dam chhung zawngin kan thawkrim vek a, kan chawm leh inthuam that nan te, kan fate kan zirtir a, kan hmalam hun atan kan khawlkhawm thin a ni lawm ni? Mahse, he pawisa hi kan khawlkhawm lai hian tar ruala natna lo thleng tur atan kan inbuatsaih em tih hi kan ngaihtuah ngai em? Ngaihtuah teh, natna khirh tak i neih thut chuan, i thawhrimna sum khawlkhawm zawng zawng chu ni khatah a bo vek thei a ni. Chutiang dinhmun beisei loh takah chuan health insurance coverage hi i wallet-ah phurrit lian tak dah lovin i tanpui thei tur thil a ni.
A awlsam zawngin, health insurance chu eng nge ni?
Hei hi concept awlsam tak a ni. Khaw chhunga lungngaihna pawl ang maiin ngaihtuah rawh. Kan inkhawm vek a, sum tlemte kan khawn khawm thin. Miin harsatna a tawh chuan kan sum khawn khawmte hi chu mi tanpui nan kan hmang thin. Health insurance pawh chutiang bawk chu a ni.
Insurance company hnenah thla tin emaw kum tin emaw pawisa tlemte i pe thin. ``Premium`` kan ti a ni. Chumi let leh nan chuan i damlo a, damdawi ina i awm a ngai a nih chuan insurance company chuan a senso - chu chu doctor fee, damdawi, test, room charge, etc. a pe ang a, hei hi claim an ti a ni.
A awlsam zawngin, health insurance hi nakin lawka hospital bill lian tak lo thleng tur atan vawiinah hian tlem tal khawlkhawm ang mai a ni.
Hei hi Sri Lanka-ah hian kan tan a pawimawh takzet em?
Ṭhenkhat chuan, "Kan rama sorkar damdawi-in a thlawna a awm lai hian engvangin nge insurance man pek?" Ni e, kan ramah hian free healthcare hi malsawmna kan dawn ber pakhat a ni. Chumi chungchangah chuan inhnialna a awm lo. Amaherawhchu, sorkar damdawi in-a mipui tam lutuk te, a chang chuan surgery neihna tur queue rei tak tak te, damdawi man to tak tak emaw, test emaw thenkhat chu pawn lama tih a ngai tih te hi kan hre vek a ni.
Kawng lehlamah chuan private hospital-ah inenkawlna i zawng a nih chuan a man to zia i hre ngei ang. Emergency bypass surgery emaw, cancer enkawlna emaw, kidney transplant emaw atan lakhs i mamawh nghal a nih chuan han ngaihtuah teh? Chutiang hunah chuan health insurance cover tha tak neih chuan chu pawisa chu ngaihtuah buai lovin enkawlna tha ber i hmuh theihna hun remchang a pe ang che. A bik takin pension hnuah, sum lakluh mumal tak i neih loh lai hian hetiang thil hi tanpuitu lian tak a ni.
Tuin nge health insurance la thei ang?
Dik tak chuan tu pawhin health insurance an la thei. Mahse hriat reng tur pawimawh ber chu insurance i lak lai khan i kum leh i hriselna dinhmun hi a ni .
- Naupang leh hrisel: I naupan lai leh natna lian tham laka fihlim laia insurance i lei chuan i premium pek tur chu a hniam zawk hle ang. Tin, harsatna awm lovin insurance coverage i hmu thei bawk ang.
- Tar leh pension tawhte: 1.1.I upat deuh deuh chuan insurance i lei thei a, mahse premium erawh a sang deuh mai thei. Company thenkhat chuan pension tawhte tan bik insurance plan an siam a.
- Mihring natna nei tawhte: Diabetes emaw hypertension emaw ang chi natna awm tawh i neih chuan insurance company thenkhat chuan an pawm ang che. Mahse, kum hmasa lamah chuan cover i ni lo thei a, i premium pawh a sang zawk thei bawk. A pawimawh ber chu insurance dil hunah i hriselna dinhmun dik tak sawi hi a ni.
Engtin nge insurance tha tak kan thlan theih ang? Heng thilte hi fimkhur rawh!
Tunah hian Sri Lanka ramah hian health insurance company tam tak an awm tawh a. Pakhat kan thlan hmain heng thilte hi ngun taka zirchian a pawimawh hle.
| Thil hriat tur | A awmzia mai mai |
|---|---|
| Coverage zat tur | I damloh chuan insurance company-in a pek zat sang ber chu engzat nge ni ang? (e.g. kum khatah nuai 5, 10, 20?) |
| Lawmman | Chu coverage dawng tur chuan thla khat emaw kum khat emawa i pek tur zat. |
| Network Hospital hrang hrangah te | Eng private hospital-ah nge enkawlna i hmuh theih ang? Insurance plan thenkhat chuan bill hi damdawi inah direct-in an pe thin (Cashless). |
| Natna Covered te | Eng natna chi hrang hrang nge cover a nih? Exclusions te hi enfiah ngei ngei tur a ni. |
| Kum bithliah | Insurance lama inziak lut tur hian kum engzat nge ni ang? Tin, insurance renew theihna tur kum sang ber chu engzat nge ni ang? |
| 'No Claim Bonus' tih a ni. | Kum khat chhung claim i siam loh chuan a kum lehah coverage amount a pung dawn em ni a, premium a tlahniam dawn em ni? |
Insurance ka lak tlai chuan eng nge thleng ang?
Hei pawh hi mi tam takin kan tihsual a ni. Postponing, "Aw... rei vak lo kan nghak ang," a ti a. Mahse health insurance chungchangah chuan sawn hlat chuan hlohna a thlen thin.
1. Premium a pung: I kum upat deuh deuh chuan natna vei theihna a san avangin insurance company ten premium an lak pawh a pung bawk.
2. Natna coverage a tlem: I kum upat deuh deuha natna thar (e.g. Diabetes) i neih hnua insurance la tura i kal chuan chu natna coverage i dawng lo mai thei a, a nih loh leh insurance chu hnawl a ni thei bawk.
3. Nghah Hun: Insurance policy thenkhatah chuan coverage i lak hnu thla engemaw zat emaw, kum engemaw zat emaw chhung chu condition thenkhat a cover lo. He period hi coverage i lak tlai a, emergency i neih chuan harsatna a ni thei.
Chuvangin, a tha ber chu i naupan lai leh hrisel lai, premium tlemte pe chunga insurance tan hi a ni. Nakin lawka hriselna atana i investment lian ber a ni.
I hnathawhnain insurance a pek pawh ngaihtuah bawk ang che.
Private company tam tak chuan an hnathawkte hnenah group insurance coverage an pe thin. Chu chu thil ropui tak a ni. Mahse, chu coverage chu company i pension emaw, i chhuahsan emaw hunah a tawp fo ṭhîn tih hre reng ang che . Tin, sorkar hnathawkte tan ‘Agrahara’ ang chi insurance plan a awm bawk. Hengte hi i company hnenah pawh zawt rawh. Mahse pension chungchang ngaihtuah a, hei bakah hian mahni personal insurance neih hi a him ber.
Hemi chungchanga zawhna dang i neih chuan insurance advisor rintlak tak nen inbia ang che. Mahse, i hriselna dinhmun avanga insurance i hmuh theih leh theih loh chungchangah damdawi lam ngaihtuahna i neih chuan i chhungkaw doctor nen inbiakna neih a tha ber.
Take-Home Thuchah a ni
- Health insurance hi sum senso ni lovin, hmalam hun atana investment a ni. Emergency a thlen hunah i sum khawlkhawmte chu a humhim thei a ni.
- I naupan lai leh i hrisel laiin insurance tan rawh. Chutiang chuan premium hniam zawkah hlawkna tam zawk i hmu thei ang.
- Insurance policy i thlan hmain company engemaw zat aṭangin details la la, a cover zat, premium, covered illnesses, leh hospital-te chu khaikhin rawh.
- Insurance application i fill up dawnin i hriselna dinhmun engmah thup suh. Engkim chunga rinawmna hian nakin lawka claim siam hunah harsatna a awm loh nan a pui thei a ni.
- I hna kaltlangin insurance i dawng a nih pawhin pension tur chuan private insurance ngaihtuah a la phu hle.
- Damdawi lama harsatna i neih chuan i doctor nen inbia ang che.
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