Kukhala mayi kapena bambo ndi chimodzi mwa zinthu zosangalatsa kwambiri pa moyo, sichoncho? Komabe, tiyeneranso kukhala okonzeka pang'ono kulandira chisangalalo chimenecho. Makamaka pazachuma. Ngati tikudziwa ndalama zomwe tidzayenera kulipira kwa mlendo watsopano amene akubwera kunyumba pasadakhale ndikukonzekera bwino, tidzakhala ndi mtendere wamumtima. Chifukwa chake lero, tiyeni tikambirane za mtundu wa ndalama zomwe tidzayenera kulipira kwa watsopano m'banja lanu, komanso momwe tingakonzekerere.
Kodi tili ndi njira ziti ku Sri Lanka?
Choyamba, tiyenera kumvetsetsa kuti ku Sri Lanka, tikamayembekezera mwana, pali njira ziwiri zazikulu zoti tisankhe. Choyamba ndi dongosolo la zipatala za boma . China ndi zipatala zachinsinsi . Ndalama zomwe zimagwiritsidwa ntchito pazipatala ziwirizi ndizosiyana kwambiri.
1. Ngati mwasankha chipatala cha boma...
Dongosolo la chisamaliro chaumoyo la boma ku Sri Lanka ndi labwino kwambiri. Ngati musankha chipatala cha boma, mudzalandira chilichonse kuchokera kuzipatala za amayi oyembekezera, mayeso, kubereka, kukhala kuchipatala, ndi mankhwala ofunikira kwaulere . Izi ndi mpumulo weniweni.
Komabe, pakhoza kukhala ndalama zina zosalunjika . Taganizirani izi motere.
- Ndalama zoyendera kupita ndi kubwera kuzipatala.
- Nthawi zina, zinthu monga kujambulidwa komwe kumayenera kuchitidwa panja chifukwa cha vuto la makina kuchipatala.
- Ngati mukufuna, ngati mukumana ndi dokotala wogwira ntchito kuchipatala cha boma ndikumutumiza kuchipatala, muyenera kulipira ndalama zinazake.
Chofunika kwambiri ndichakuti chithandizo chamankhwala ndi chisamaliro chomwe mumalandira kuchipatala cha boma chikhale chokwera kwambiri. Simuyenera kuda nkhawa kwambiri ndi ndalama.
2. Ngati mwasankha chipatala chachinsinsi...
Mukasankha chipatala chachinsinsi, muyenera kugwiritsa ntchito ndalama zina. Koma mutha kuyembekezeranso zinthu zina, monga chipinda chimodzi, chisamaliro chochulukirapo, ndi zina zotero. Apa, ndalama zitha kugawidwa m'magawo angapo akuluakulu.
Momwe mungagawire ndalama zogulira kuchipatala chachinsinsi
N'zovuta kupereka yankho lolunjika pa mtengo wonse wa chipatala chachinsinsi. Zimasiyana malinga ndi chipatala chomwe mwasankha, mzinda, dokotala , ndi mavuto aliwonse omwe angabuke panthawi yobereka. Tiyeni timvetse bwino mtengo wa izi.
| Gawo la Ndalama Zogwiritsidwa Ntchito | Zinthu zomwe nthawi zambiri zimakhalapo komanso lingaliro lovuta |
|---|---|
| Ndalama Zogulira Pobereka | Izi zikuphatikizapo ndalama zolipirira njira, ma ultrasound scan, mayeso a magazi, ndi mayeso ena a labu, zomwe zingawononge ndalama zambiri pamwezi. |
| Ndalama Zotumizira | Imeneyi ndi ndalama yaikulu kwambiri. Zipatala zambiri zachinsinsi zimakhala ndi ma phukusi osiyana operekera mwana nthawi zonse komanso opaleshoni ya opaleshoni (C-section). Phukusili limaphatikizapo zinthu monga ndalama zolipirira kuchipatala, ndalama zolipirira chipinda chochitira opaleshoni, ndi ndalama zolipirira unamwino. Komabe, nthawi zambiri ndalama zolipirira madokotala (VOG, anesthesiologist, ana) siziphatikizidwa mu phukusili. Ziyenera kulipidwa padera. Izi zitha kukhala pafupifupi Rs. 200,000 mpaka Rs. 500,000 kapena kuposerapo. |
| Ndalama Zogulira Pambuyo Pobereka | Ndalama zoyendera dokotala mobwerezabwereza mwana akabadwa, komanso ndalama zopezera katemera wofunikira wa mwanayo payekha, zikuwonjezeredwa pa izi. |
Ndikofunikira kuti ngati mwasankha chipatala chachinsinsi, imbani chipatala pasadakhale ndikuwafunsa momveka bwino za ma phukusi awo, zomwe zilimo ndi zomwe sizilimo. Komanso, kambiranani izi ndi dokotala wanu.
Mtengo wa mankhwala ndi mavitamini
Dokotala wanu adzakulangizani kuti mumwe mavitamini ofunikira monga folic acid ndi iron panthawi ya mimba.
- Mumapeza zonsezi kwaulere kuchipatala cha boma .
- Ngati mukufuna chithandizo chapadera , muyenera kulipira mavitamini ndi mankhwala ena ofunikira ku pharmacy.
Koma kumbukirani, dokotala wanu atakupatsani mavitamini ena a mimba, yang'anani ngati ali ndi inshuwalansi yanu.
Ndalama zomwe zimaposa ndalama zachipatala
Tsopano tiyeni tikambirane za ndalama zomwe zimagwiritsidwa ntchito pokonzekera mwana, kuwonjezera pa ndalama zolipirira kuchipatala . Izi ndi ndalama zomwe makolo ambiri safuna kulipira.
Nazi zinthu zofunika kwambiri kwa mwana:
- Chipinda chogona mwana (Chipinda chogona mwana / Chipinda chogona mwana)
- Ngati mukuyenda ndi galimoto, mpando wa galimoto ndi wofunikira.
- Matewera ndi Zopukutira
- Zovala zina za ana
- Bafa la ana
- Ngati simuli mayi woyamwitsa, mabotolo a mkaka wa m'mawere ndi a ana
- Chowunikira cha ana - Izi sizofunikira kwenikweni, koma zothandiza kwambiri.
Malangizo pang'ono...
Mukagula zinthuzi, mutha kugula zina zomwe zagwiritsidwa ntchito kale (zogwiritsidwa ntchito kale). Mwachitsanzo, zovala za ana. Komabe, ndi bwino kugula zinthu zokhudzana ndi chitetezo, monga mpando wa galimoto kapena bedi la mwana, zatsopano . Chifukwa tifunika kutsimikiza za miyezo yawo yachitetezo.
Ndalama Zosamalira Ana
Ngati makolo onse awiri akugwira ntchito, kupeza munthu woti asamale mwana akangobadwa ndi ndalama zambiri.
- Ngati mukuika mwana wanu ku malo osamalira ana, malipiro a mwezi uliwonse adzakhala a zimenezo.
- Ngati mwapeza munthu woti azikhala panyumba ndikusamalira mwana (Nanny / Helper), kodi mudzalipira ndalama zingati kuti munthuyo akhale panyumba?
Nthawi zina m'modzi mwa makolo, nthawi zambiri mayi, amasankha kupuma kuntchito kuti akasamalire mwana. Zikatero, ndalama zomwe zatayika zitha kuonedwa ngati ndalama zosalunjika zomwe zimawonjezeredwa ku ndalamazi.
Poganizira zonse, kukhala ndi mwana ndi kusintha kokongola m'moyo, komanso ndi udindo waukulu. Mukadziwa ndalama izi pasadakhale ndikuzikonzekera limodzi, mutha kulandira mwana wanu watsopano popanda nkhawa.
Uthenga Wopita Nawo Kunyumba
- Konzani pasadakhale: Ndikoyenera kuganizira za ndalama izi ndikuyamba kusunga ndalama pang'ono musanaganize zokhala ndi mwana.
- Sankhani njira yanu: Sankhani ngati mupite kuchipatala cha boma kapena chachinsinsi kutengera momwe mulili pazachuma komanso zomwe mumakonda. Mvetsetsani zabwino ndi zoyipa za zonsezi.
- Fotokozani momveka bwino: Ngati mwasankha chipatala chachinsinsi, onetsetsani kuti mwafunsa pasadakhale za ndalama zolipirira, maphukusi, ndi zinthu zina zomwe simuyenera kulipira. Lankhulani ndi dokotala wanu za izi momasuka.
- Chepetsani ndalama zosafunikira: Lembani mndandanda wa zinthu zomwe mwana wanu amafunikira. Ikani patsogolo zinthu zofunika kwambiri. Simukuyenera kugula chilichonse nthawi imodzi.
- Khalani osangalala: Musamadzivutitse maganizo poganizira kwambiri za ndalama zimenezi. Mukakonzekera bwino, mutha kuchita zonsezi. Chofunika kwambiri ndikukhala ndi nthawi yokongolayi mosangalala komanso mwathanzi.
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